In the system we have evolved, the ideal citizen creates growth, not by saving and investing, but by consuming beyond their means. It matters little that this is ruinous to the individual, that such financial insecurity creates enormous levels of instability. Individual avarice is necessary for our national GDP to grow. Savings is punished with artificially low returns while debt is subsidized. Our individual value to the whole is based on our capacity, even our desire, to consume.

